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Compare motorbike insurance quotes and protect your ride for less

Looking to cover your two-wheeler without overpaying? At Clarity Compare, you can find competitive motorbike insurance deals – with over half of our customers quoted less than £566.16 per year for their policy in March 2025¹.

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Whether you ride daily or just on weekends, compare policies today to find the right level of cover for you at a great price.

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Why compare motorbike insurance with
Clarity Compare?

With around 1.37 million motorcycles on UK roads in 2024, getting the right cover at the right price is essential. Whether you’re a new rider or upgrading
your bike, comparing motorbike insurance quotes could help you find the right deal – and make real savings.

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1. Affordable options

In March 2025, 51% of our customers were quoted less than £566.16 for their motorbike insurance¹.

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2. Fast comparisons

Get a range of motorbike insurance quotes in as little as 6 minutes².

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3. Impartial results

We make it easy to search and compare – you choose the policy that fits your needs.

Compare cheap car insurance quotes from 177 trusted provider products[3] with Clarity Compare, including:

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What do I need to get a motorbike insurance quote?

Getting a quote with Clarity Compare is quick and easy – you’ll just need to share some basic details about you and your motorbike.

What we’ll ask you for:

  • Your details – name, address, age, and employment status

  • Bike information – make, model, and registration number (if known)

  • Year of manufacture – we compare quotes for bikes made from 1970 onwards

  • Any modifications – let us know if your bike’s been altered after it left the factory

  • Bike value – how much your bike is worth and when you bought it (if relevant)

  • Licence details – how long you’ve held your motorbike licence

  • Claims and convictions – any you’ve had, and the same for any additional riders

  • Security features – tell us about any security devices fitted to your motorbike

The more accurate your information, the more tailored your quotes will be.

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What is motorbike insurance and why do I need it?

Motorbike insurance is a legal requirement if you ride or keep your motorcycle on public roads in the UK.

Depending on your level of cover, it can help protect you against the cost of:
1. Damage to your bike
2. Theft or vandalism
3. Injuries to you or others
4. Damage to other people’s vehicles or property

You can also choose to enhance your policy with optional extras like breakdown cover or personal accident protection – giving you even more peace of mind on the road.

What doesn’t motorbike insurance cover?

Standard motorbike insurance offers useful protection, but there are some things
it typically won’t include unless you add extra cover:

Third party only

This is the minimum legal requirement. It covers damage or injury you cause to other people and their property – but it won’t protect you or your motorbike.

Third party, fire and theft

Offers the same protection as third party, but also covers your motorbike if it’s stolen or damaged by fire.

Comprehensive cover

The highest level of protection. It includes all the benefits of third party, fire and theft, plus cover for repairs or replacement of your bike if it’s damaged in an accident. It may also include personal injury cover – always check your policy to see what’s included.

What’s not typically covered by motorbike insurance?

While motorbike insurance offers valuable protection, there are some things it may not include as standard.
Here's what to keep in mind:

1. Carrying passengers

Planning to take a passenger? You'll need to add pillion cover to your policy, as it's not included by default.

2. Sidecar cover

If your bike has a sidecar, it’s usually classed as an accessory and may require additional cover. Sidecar insurance isn’t available to compare at Clarity Compare right now.

3. Bike modifications

Made changes to your bike after purchase? Whether cosmetic or performance-based, you must tell your insurer – these changes might not be covered unless declared.

4. Punctures

Standard cover doesn’t include punctures. However, breakdown cover with roadside assistance can help you reach a garage if you're stuck due to a non-repairable puncture.

Why Use Us

5. Track day use

Planning to hit the track? You’ll need specialist track day insurance, which isn’t available to compare through us. Some track organisers may require this before you ride.

6. Negligence

Leaving your keys in the ignition or other careless actions could mean your insurer won’t pay out if your bike is stolen.

7. Riding under the influence

If you're caught riding while under the influence of alcohol or drugs, your insurance won’t cover any incidents – and it's illegal too.

8. Wear and tear

Everyday use, ageing, scratches or rust typically aren’t covered by motorbike insurance.

What optional extras can I add to my motorbike insurance?

  • Tailor your motorbike insurance to better suit your needs with these useful add-ons:

    • Motor legal protection
      Covers legal costs if you’re involved in an accident that leads to a legal dispute.

    • Helmet and leathers cover
      Helps with the cost of repairing or replacing your riding gear if it’s damaged in an accident.

    • Breakdown cover
      Get assistance if your motorbike breaks down. If it can’t be fixed roadside, your bike will be taken to a nearby garage.

    • Personal accident cover
      Offers a lump sum payment if you suffer serious injury or death in an accident – such as loss of limbs or permanent disability.

    • Pillion cover
      Provides protection for your passengers if they’re injured while riding with you.

    • Protected no-claims discount
      Helps preserve your no-claims bonus, even if you need to make a claim.

    • Key cover
      Covers the cost of replacing lost or stolen motorbike keys.

    • EU cover
      Planning a ride abroad? Make sure your insurance extends to countries in the EU.

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"The best part was how transparent everything felt. No hidden fees or confusion—just honest comparisons and great value."

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How Much Does Motorbike Insurance Cost?

Motorbike insurance costs can vary based on your bike, age, location, and riding history. At Clarity Compare, we help you find competitive quotes based on real customer data to give you an idea of what to expect.
Here’s what 51% of customers were quoted for motorbike insurance as of March 2025:
Standard motorbike insurance: Less than £567 per year or £47.18 per month
125cc bike insurance: Less than £802 per year or £66.82 per month
50cc bike insurance: Less than £515 per year or £42.85 per month
Young riders (age 16–17): Less than £1,252 per year or £104.30 per month
Prices based on Compare the Market data, correct as of March 2025.
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Types of motorbikes you can insure

Insurers may offer cover for a wide range of bike types. Here's a quick look at the main ones – but keep in mind that providers can vary in
what they will and won’t insure:

1. 50CC

With a top speed of around 28mph, 50cc mopeds are a great starter option for younger riders, especially those aged 16 and over.

2. Scooter

A step up from a 50cc, scooters are a popular choice for city riding and short commutes.

3. Sports bike

High-performance machines designed for speed. Usually more expensive to insure due to higher risk.

4. Supermoto

A mix of off-road and road capabilities, often used for stunts or short-distance rides.

5. Classic

Older bikes that may need specialist insurance due to age, value, or limited usage.

6. Touring

Designed for long-distance rides, often larger and heavier with more storage.

7. Off-road

Bikes built for trails and uneven terrain, typically not road-legal unless registered and insured correctly.

8. Cruiser

Low-riding, comfortable bikes, ideal for relaxed journeys and scenic routes.

9. Chopper

A custom-built style of cruiser with extended forks and unique designs.

10. Quadbike

Often used off-road or on farms. You’ll need road-legal insurance if used on public roads.

How can I get cheaper motorbike insurance?

Looking to save on your motorbike insurance? Here are some practical ways to
reduce your premium:

Choose a lower-powered bike Smaller engines usually cost less to repair and insure – ideal if you're looking to cut costs.
Avoid modifications Performance upgrades and cosmetic changes can push up your insurance price. Stick to factory specs for better deals.
Keep your mileage low Fewer miles often mean lower risk – and lower premiums. Just make sure to be honest about your mileage when getting a quote.
Boost your riding skills Qualifications like a BikeSafe Certificate or RoSPA Enhanced Rider Scheme can help you unlock discounts with some insurers.
Secure your bike Using an approved lock or storing your bike in a garage overnight may help reduce your premium.
Pay annually Paying for your policy in one lump sum can be cheaper than monthly instalments, which may include interest charges.
Only choose extras you need Avoid paying for optional add-ons that don’t suit your riding needs.
Build your no-claims discount Stay claim-free and you could earn a no-claims discount each year.

What are the classes of motorbike use?

When you compare motorbike insurance, it’s important to choose the right class of use. Insurers need to know how you’ll use your bike to assess the level of risk and offer the right cover.

  • Social, domestic and pleasure
    Covers everyday personal use – like visiting friends or going for a weekend ride. It doesn’t include commuting.

  • Social, domestic, pleasure and commuting
    Includes personal use plus travel to and from a single place of work.

  • Social, domestic, pleasure, commuting and business use
    Designed for riders who use their bike for both personal use and business travel – such as visiting clients or travelling between work sites.

  • Delivery use
    If you’re using your motorbike or moped for paid delivery work (like food delivery), you’ll need specific insurance that covers this.

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What are the different classes of motorbike use?

When comparing motorbike insurance, it’s important to choose the correct class of use –
this helps insurers assess risk and offer the right level of cover.

Social, domestic and pleasure

For personal use only – such as riding for fun, social trips or running errands.

Social, domestic, pleasure and commuting

Includes everything above, plus your daily commute to a single place of work.

Business use

Covers social, commuting, and riding your bike for work-related travel – like visiting clients or multiple office locations.

Delivery use

If you’re using your motorbike or moped for paid delivery jobs – such as food or parcel deliveries – you’ll need specialist delivery or courier insurance.

Frequently Asked Questions About Motorcycle Insurance

Navigating motorcycle insurance can be confusing, especially with so many options and regulations to consider. At Clarity Compare, we’re here to simplify the process. Below are answers to some of the most commonly asked questions about motorbike insurance in the UK, helping you make informed decisions and find the right level of cover for your needs.
Are there motorcycle insurance groups?

Yes, similar to car insurance, motorcycles are placed into insurance groups based on factors like engine size, value, and performance. Bikes in lower groups are usually cheaper to insure, while high-performance models often fall into higher-rated categories.

 In many cases, yes. You can often add additional named riders to your policy, but it may increase the premium depending on their age, experience, and riding history.

Yes, multi-bike insurance policies allow you to cover more than one motorcycle under a single policy, which can be more convenient and cost-effective.

You can, but it may be more complicated. Some insurers might charge a higher premium or have restrictions on covering imported bikes due to parts availability and repair costs.

A: If your motorcycle is written off, your insurer will typically pay you its market value, minus any applicable excess. Comprehensive policies are more likely to offer protection in these scenarios.

Not usually. Standard policies typically don’t cover wear and tear or punctures unless you’ve added breakdown cover or a specific tyre protection add-on.